{"id":45441,"date":"2025-07-22T15:58:49","date_gmt":"2025-07-22T18:58:49","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=45441"},"modified":"2025-07-29T14:44:35","modified_gmt":"2025-07-29T17:44:35","slug":"que-es-el-score-crediticio-y-como-mejorarlo","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/que-es-el-score-crediticio-y-como-mejorarlo\/","title":{"rendered":"\u00bfQu\u00e9 es el score crediticio y c\u00f3mo mejorarlo?"},"content":{"rendered":"\n<p>El <strong>score crediticio<\/strong> es un puntaje que refleja tu <strong>comportamiento financiero<\/strong> y tu <strong>capacidad de pago<\/strong>. Se utiliza para evaluar el riesgo de prestarte dinero o darte acceso a productos financieros como cr\u00e9ditos, tarjetas o seguros.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQui\u00e9n mide el score crediticio en Chile?<\/h2>\n\n\n\n<p>En Chile, hay varias entidades que generan y reportan scores crediticios<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DICOM (Equifax Chile)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Es la fuente m\u00e1s conocida.<\/li>\n\n\n\n<li>Proporciona el <strong>Score Dicom<\/strong>, que va de <strong>1 a 999 puntos<\/strong>.<\/li>\n\n\n\n<li>Lo usan bancos, retail y casas comerciales.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\"><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Comercial (Bolet\u00edn Comercial de la C\u00e1mara de Comercio de Santiago)<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Informa sobre protestos, cheques sin fondos y morosidades judiciales.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">SIISA, TransUnion u otras centrales privadas<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empresas que tambi\u00e9n generan informes y scoring basado en datos financieros.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo ver mi score?<\/h2>\n\n\n\n<p>Para obtener tu puntaje crediticio de forma gratuita puedes hacerlo en la p\u00e1gina de equifax en el <a href=\"https:\/\/www.equifax.cl\" target=\"_blank\" rel=\"noreferrer noopener\">siguiente enlace<\/a>. Esto se puede realizar cada cuatro meses.&nbsp;<\/p>\n\n\n\n<p>En caso de querer obtener un informe m\u00e1s detallado, podr\u00e1s hacerlo desde el sitio web de Equifax pero con un costo. Este reporte, adem\u00e1s de tu score, te dar\u00e1 informaci\u00f3n sobre tus deudas y tu comportamiento hist\u00f3rico dentro del sistema financiero.&nbsp;<\/p>\n\n\n\n<p>El informe tiene un costo de entre $4000 y $10.000 (depende del plan).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tipos de scores y rangos aproximados<\/h2>\n\n\n\n<p>Si bien cada entidad tiene su propia escala, en general casi todas utilizan la siguiente l\u00f3gica:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>800 &#8211; 999: excelente (bajo riesgo crediticio)<\/li>\n\n\n\n<li>600 &#8211; 799: bueno (riesgo medio a bajo)<\/li>\n\n\n\n<li>400 &#8211; 599:regular (riesgo medio &#8211; alto)<\/li>\n\n\n\n<li>0 &#8211; 399: bajo (alto riesgo de mora)&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Recomendaciones para mejorar tu score crediticio<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;1. Paga a tiempo<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aseg\u00farate de <strong>no atrasarte<\/strong> en pagos de cr\u00e9ditos, tarjetas, cuentas de servicios, etc.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;2. Evita sobreendeudarte<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mant\u00e9n un buen ratio entre lo que ganas y lo que debes.<br><\/li>\n\n\n\n<li>No pidas muchos cr\u00e9ditos simult\u00e1neamente.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Cierra productos que no us\u00e1s<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si ten\u00e9s tarjetas de cr\u00e9dito abiertas y sin uso, eval\u00faa cerrarlas (pero sin afectar tu historial positivo).<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">&nbsp;4. Negocia deudas morosas<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si est\u00e1s en DICOM por deuda, trata de <strong>repactar o pagar<\/strong>, y luego solicitar la actualizaci\u00f3n de tu estado. Para m\u00e1s informaci\u00f3n sobre c\u00f3mo salir del DICOM puedes consultar el<a href=\"https:\/\/alprestamo.com\/cl\/chaodeudas?utm_source=institucional&amp;utm_medium=navbar&amp;utm_source_sub=institucional-navbar-chaodeudas\" target=\"_blank\" rel=\"noreferrer noopener\"> programa ChaoDeudas<\/a>.\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">5. Solicita productos financieros b\u00e1sicos<\/h3>\n\n\n\n<p>Empieza con una cuenta vista o tarjeta de cr\u00e9dito con cupo bajo. Su uso responsable mejora tu historial.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El score crediticio es un puntaje que refleja tu comportamiento financiero y tu capacidad de pago. Se utiliza para evaluar el riesgo de prestarte dinero o darte acceso a productos financieros como cr\u00e9ditos, tarjetas o seguros.&nbsp; \u00bfQui\u00e9n mide el score crediticio en Chile? En Chile, hay varias entidades que generan y reportan scores crediticios DICOM &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/que-es-el-score-crediticio-y-como-mejorarlo\/\"> <span class=\"screen-reader-text\">\u00bfQu\u00e9 es el score crediticio y c\u00f3mo mejorarlo?<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":45452,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[148,156,199],"tags":[],"class_list":["post-45441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cl","category-consejos-financieros-cl","category-portada-cl"],"acf":[],"yoast_head":"<!-- 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